Can I give you an example of how I could exploit you?
One of the forums (lowest hanging fruits) gets its user details leaked, I now have your name, email address, password and can possibly work out some of your browsing habits.
Lets assume i dont have your password in plain text so i send you an email telling you that your account has been compromised, please go to ALFAR0ME0F0RUM.COM which serves you the "change your password" page as you expect. You put in a varient of your normal password, I now have a variant of your normal password in plain text. I can now easily crack your original password, I now have 2 of your recycled passwords.
Now lets assume that you used a non main email account for AlfaRomeoForum.com which uses the the recycled passwords. Now I can see every service you signed up for with that email address and can guess the passwords.
You bought something using this email address, I now know what you bought and when.
Ooh look, here is a service that has you main email address on it (I'm logged in and it is username/password and you have changed the email address at some point)
I can now phone you up and ask you some security questions due to there being an issue with your order. You set the account up long enough ago that you cant remember that there were no security questions asked when setting up that shops account.
Lets assume you have an iphone, I can now phone them up for a temp icloud password, i can answer the security questions because you have told them to me. i now have access to your iMessage which is also your text messages.
I ask for a password reset from your main email provider which needs a pin that is sent to your phone by sms. I now have access to your email and can route through that as I did the other.
I cant currently think of how to compromise your bank account but can you now see how a single hole in security can open everything up? even if you used you main email for the original account that was compromised, I could still have gone hunting for your accounts, its just they would have been harder to find.
if you think that people wouldnt do this see here